Dede M. Smolen
INNOVATIVE FINANCIAL
LAKEWOOD, CO 80226
Some features on this profile are disabled
CRD#: 4436189
Professional summary
Dede M Smolen, CFP®, who also goes by Dede M Jones, Raydeena Jones, is a registered financial advisor currently at INNOVATIVE FINANCIAL, LLC located in Lakewood, Colorado.
Dede is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2003. Dede has worked at 1 firm .
Core Areas of Focus
AUM
Business Owners
College/Education Planning
Estate & Generational Planning Issues
Fixed Fee (Subscription
Retainer
etc.)
Investment Advice with Ongoing Management
Biography
In addition to being a Certified Financial Planner, DeDe is a Certified Public Accountant (CPA). From the unique vantage point of this combined expertise, DeDe recognizes that how clients use their resources today determines their success, now and in the future.
By listening carefully to her clients' goals and values and evaluation how cash flows through their lives, she helps clients discover a path to those milestones.
The team at Innovative Financial gathers and analyses information within the context of competing goals. We summarize what each client household has in terms of income, how the income is spent, how much is saved and where it is saved. This comes together to build the foundation of a financial plan.
This process creates a comprehensive view and helps with planning of all types from a new arrival a first or second home purchase, managing an inheritance, starting a business, colleges expenses or retirement without worries.
Innovative Financial does not sell any products nor do we receive commissions from anyone. Our recommendations are unbiased -- bases on our years of experience and your personal situation and risk tolerance. We put your financial interests ahead of our own!
Please call Innovative Financial at (303) 275-7170 to learn how we might serve you in the pursuit of your dreams.
Question & Answer
What are your service offerings?
Investment Planning
Estate Planning
Retirement Planning
Tax Planning
Business Succession Planning
Divorce Planning
Comprehensive Financial Planni...
Insurance Planning
Are you a "fiduciary"?
Yes
Aliases
Dede M Jones | Raydeena Jones
Other business activities
Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.
The advisor shows no other business activity.
CRS (Client Relationship Summary) - RIA
Click below to view Dede M Smolen's CRS (Customer Relationship Summary).
Certified licenses
Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®
CFP®
Start date: 2003
Experience
Current
March 2, 2019 - Present
INNOVATIVE FINANCIAL, LLC
Office #1: 355 South Teller Street Suite 200, Lakewood, CO 80226RIA
CRD#: 127469
LAKEWOOD, CO
Past
August 27, 2003 - December 31, 2013
INNOVATIVE FINANCIAL, LLC
RIA
CRD#: 127469
GOLDEN, CO
Primary Firm SEC Registration
This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".
IF
INNOVATIVE FINANCIAL, LLC
INNOVATIVE FINANCIAL, LLC | JONES, RAYDEENA M.
CRD#: 127469 / SEC#: 801-135286
RIA
Registered Investment Advisory firm - (2/6/2026 Approved)Colorado
Registered Investment Advisory firm - (2/9/2026 Termination Requested)Texas
Registered Investment Advisory firm - (2/15/2026 Termination Requested)State Registrations and Notice Filings
Listed states reflect where the advisor is authorized to serve clients under state regulations.
IAR
means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.Highlighted states indicate IAR registrations
IAR
Colorado(3/2/2019)
IAR
Texas(2/22/2024)
Exams
Current Firm
IF
INNOVATIVE FINANCIAL, LLC
INNOVATIVE FINANCIAL, LLC | JONES, RAYDEENA M.
CRD#: 127469 / SEC#: 801-135286
RIA
Registered Investment Advisory firm - (2/6/2026 Approved)Colorado
Registered Investment Advisory firm - (2/9/2026 Termination Requested)Texas
Registered Investment Advisory firm - (2/15/2026 Termination Requested)Upgrade to AdvisorCheck Premium
Get A Biweekly Pulse, AutomaticallyReceive biweekly alerts automatically. Stay informed and proactive.
Catch Firm-Level Red Flags SoonerCatch leadership changes and disclosures early, before issues escalate.
See Trends. Not Just SnapshotsMonitor firm stability metrics like AUM and advisor ratios over time.
Contact information
Main Address
355 South Teller Street Suite 200, Lakewood, CO 80226
Mailing Address
Phone number
(303) 275-7170
Established
Firm type
Fiscal year end
# of Employees
3
SEC notice filing (2 States and Territories)
Regulatory assets under management
| Total Number of Accounts | 85 |
| AUM (Assets Under Management) | $ 105,290,978 |
Red Flags
Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.
Check for any disclosures as part of your thorough research when choosing an advisor.
